David Schult, Medicare Insurance Agent
David Schult
Medicare Agent Licensed in KY, IN and TN
Contact Details
-
Location
Somerset, KY
David Can Help With:
About Me
Hey there, my name is David, and I am your local Medicare advisor and agent. I specialize in Medicare and am devoted to helping you find the best plan that matches your specific needs and financial situation. I will take care of the daunting task of comparing plans from well-known national and local companies for you. Even better, my services are completely free! Contact me today to explore your Medicare options, and be sure to mention that you found me on Medicare Agents Hub!
Q&A with David Schult
How is automation improving efficiency and compliance in Medicare processes?
Answer: Automation makes Medicare processes faster by reducing paperwork and manual steps. It improves accuracy, cuts down on costly mistakes, and ensures rules are always followed. At the same time, it lowers costs and creates clear records for easy tracking and audits.
What's the financial risk of sticking with Original Medicare without a Medigap plan?
Answer: Good question. Having a Supplement or Advantage plan is beneficial in many ways. Let's look at what happens if you stick with Medicare A&B (you will need to get a Part D plan).
If you stick with Original Medicare alone (no Medigap):
No spending limit – you keep paying your share no matter how high the bills go.
Hospital stays get expensive – after a couple months, you could owe hundreds per day, then everything after that.
Big treatments will equal big bills – you pay 20% of things like surgery, cancer care, or dialysis, which can be tens of thousands.
No help overseas – Medicare doesn’t pay if you get sick outside the U.S.. Without a Supplement (also known as Medigap)or an Advantage plan, one major illness could drain your savings because there’s no cap on how much you might owe.
I picked a Medicare Advantage plan because of the dental and now I found out it only covers cleanings. Why didn't anyone tell me this upfront?
Answer: I'm general, Medicare will cover all regular cleanings, x-rays, etc. You and your agent should compare several carriers and note which have additional monies for additional services.
There are ancillary products, for a small fee, that will help cover expenses.